Trackm, a new personal finance web app, allows users to visualize how recurring incomes and expenses affect their net worth over time. The app projects financial status up to 4 years into the future and tracks when accounts might go negative. Built with privacy in mind, it uses end-to-end encryption and requires no subscriptions or data sharing. The developer has been using it personally for 10 days while fixing issues before public release.

Trackm employs pocket-based budgeting where users can create named accounts or spending categories. The app automatically projects recurring rules 90 days ahead with day-level alerts for potential negative balances. As a progressive web app, it installs directly from browsers on iOS and Android without requiring app store downloads. The pricing model offers a 30-day free trial before requiring a one-time $35 payment for lifetime access.

Security is a cornerstone of Trackm's design, with each account having its own randomly generated data key wrapped with the user's password. The server operator cannot access financial data without the user's password. During the trial period, users can view all historical data but cannot add new transactions without upgrading.